ADCB TouchPoints Titanium/Gold Credit Card
The Abu Dhabi Commercial Bank is among the leading banks in the UAE aiming to provide its customers with the best banking and financial experience with the help of its products and services. Credit cards are one of ADCB’s various popular financial instruments.
ADCB TouchPoints Titanium/Gold Credit Card is a popular credit card that aims to provide the cardholder with a rewarding experience full of perks and privileges. From free access to airport lounges to various dining privileges, controlling their card from their fingertips to convenient and low-cost balance transfer, this card is a complete package.
Features and Benefits of ADCB TouchPoints Titanium/Gold Credit Card
The following are the various features and benefits offered to holders of this ADCB TouchPoints credit card:
Free Access to Airport Lounges
Holders of the ADCB TouchPoints Titanium/Gold Credit Card can enjoy a richer travel experience with limited free access to more than 10 lounges across the UAE, Kuwait, Egypt, and Saudi Arabia. Airport access is available to the primary as well as the supplementary cardholder.
Card Control
Cardmembers can enjoy complete control of their card transactions by setting the limits for spends with the ADCB Mobile App’s card control feature.
The following are the features:
- Setting limits for daily spends
- Setting limits for monthly spends
- Blocking all the transactions
- Blocking transactions made online
- Blocking transactions made in-store
- Blocking foreign transactions
- Blocking cash withdrawals from ATMs
Interest-Free Days
The ADCB TouchPoints Titanium/Gold Credit Card gives cardholders up to 55 interest-free days, in the event of them paying their balances in full by the due date.
Mobile App and Internet Banking
The credit card account of the cardmember can be managed at any time, from anywhere, with the multi-functional mobile application and internet banking platform offered by ADCB. All the payments – utility bills, phone bills, school and college payments, credit card payments, the redemption of TouchPoints, can be done via these platforms.
Convenient Payment Options
An ADCB cardholder has the convenient option of paying as little as 5% of the outstanding balance due every month, by carrying the remaining balance to the next billing month. The payment of the outstanding dues can be made using the various convenient channels offered by ADCB:
- Personal Internet
- Mobile Banking
Cash Loans
The cardholder can obtain funds against the credit limit available on the ADCB TouchPoints Titanium/Gold Credit Card within 3 working days. Cash loans are offered at a low-interest rate and can be paid in easy flexible repayment installments of up to 24 months.
Interest-Free Balance Transfers
Cardmembers can transfer the outstanding dues on their credit cards to their ADCB TouchPoints Titanium/Gold Credit Card within the first 90 days of the card registration. They also have the flexibility to repay over a flexible tenure of up to 24 months.
Easy Installments
The deep pocket purchases made by cardholders can be split into easy installments with the 0% interest easy payment plan. These installments can be repaid over the course of up to 24 months at affordable rates of interest.
When shopping at ADCB’s retail partners, the purchases can be paid back in easy installments at an interest rate of 0%.
Credit Shield
Credit Shield is an optional insurance coverage offered to holders of the ADCB TouchPoints Titanium/Gold Credit Card. This type of plan covers the card for an amount of up to AED 200,000 against any emergencies such as natural death, critical illness, permanent and total disability, involuntary income loss, and much more. This optional coverage is offered at nominal charges.
Rewards and Offers on ADCB TouchPoints Titanium/Gold Credit Card
The following are the numerous rewards and offers provided to the holder of this ADCB TouchPoints cardholder:
TouchPoints Rewards
The cardholder gets to choose the rewards that fit his or her lifestyle with the ADCB TouchPoints Titanium/Gold Credit Card, they have the flexibility to decide where and how they would like to earn as well as spend their rewards while continuing to earn TouchPoints on every swipe.
For every AED 1 spent on this ADCB TouchPoints credit card, the cardmember is eligible to earn 0.75 TouchPoints.
These TouchPoints can be accumulated over the course of time and redeemed across various spending categories such as dining or shopping vouchers, air flight tickets or upgrades, payment of utility bills, among many more.
Vox Offers
The cardmember can enjoy a free movie ticket when they buy one at VOX Cinemas with the ADCB TouchPoints Titanium/Gold Credit Card (via the official website or the mobile app). This offer is capped at 2 tickets in a month, and there is no minimum spend required to be met in a month in order to be eligible to use it. In order to avail this offer, the cardholder needs to sign up on the official website of Vox.
Exciting Offers on Yas Island Attractions
The cardholder has access to exclusive offers across Warner Bros. World Abu Dhabi, Yas Waterworld, and Ferrari World. These benefits include:
- A discount worth 15% on annual passes and General Admission Tickets bought at the ticketing counters of the park.
- 15% off on merchandise
- A discount of 10% on food and beverage
- 0% interest payment plan available on the purchases that exceed the value of AED 500 made at any of the attractions.
Careem Offers with MasterCard
When riding with Careem, the cardmember can enjoy a discount of 20% on 3 rides when the payment is made with the ADCB TouchPoints Titanium/Gold Credit Card. This discount is capped at AED 25.
Dining Privileges
Cardmembers can savor the best of dining across the UAE by availing dining privileges of discounts of up to 25% at the finest restaurants and eateries part of the upmarket.
Fees and Charges on ADCB TouchPoints Titanium/Gold Credit Card
The following table details the various fee and charges on this ADCB TouchPoints credit card:
|
Fee and Charges |
Amount |
|---|---|
|
Annual Fee |
Nil |
|
Supplementary Card Fee |
Nil |
|
Finance Charges (Retail Purchases) |
3.25% monthly |
|
Finance Charges (Cash Advance) |
3.50% monthly |
|
Finance Charges for Balance Transfer, Installment Plans, or Credit Card Loan |
Maximum of 1.50% monthly |
|
Cash Advance Charges |
Maximum of 3.15% or AED 105 |
|
Fee for Over Limit |
AED 288.75 |
|
Late Payment Charges |
AED 241.50 (upon failure to pay the minimum amount due by the due date) |
|
Fee for Card Replacement |
AED 78.75 |
|
Fee for Obtaining a Duplicate Statement |
AED 26.25 |
|
Charge for a Returned Cheque |
AED 157.50 |
|
Charge for Processing an Outstation Cheque |
AED 21 |
|
Sales Voucher Copy |
AED 26.25 |
|
The margin for Transactions made in Foreign Currency |
2.99% |
|
Credit Shield Fee (Optional) |
1.0395% of the outstanding amount |
|
Fee for Temporary Increase in Credit Limit |
AED 52.50 |
|
Fee for Exchange House Payments |
AED 5.25 for every transaction |
|
Paper Statement Fee |
AED 5.25 for every statement obtained |
|
Foreclosure Charges (Credit Card Loan/ Installment Plans/Balance Transfer) |
AED 210 |
|
Processing Fee for the 0% interest payment plans at the partner merchants and for credit card loans |
AED 52.50 |
|
Payment Due Date |
25 days |
|
Minimum Monthly Due |
Maximum of 5% or AED 100 |
|
Cash Advance Limit |
60% of the available credit limit |
(updated as at August 2020)
FAQs ADCB TouchPoints Titanium/Gold Credit Card
Q1: Can additional guests with the cardholder be given access to airport lounges?
Ans: Yes, you can take any additional guest(s) with you to obtain access to the various airport lounges. However, there is a flat rate charged over and above the entitlement is USD 32 for every guest per visit, which is charged to your registered ADCB TouchPoints Titanium/Gold Credit Card.
Q2: On what all ticket categories is the VOX one for one offer valid?
Ans: The Vox Offer is valid across the following categories:
- 2D – Standard, VIP, MAX VIP, and MAX VIP ATMOS
- 3D – Standard, VIP, MAX VIP, MAX VIP ATMOS
- Mercato VIP – 2D and 3D
- IMAX – STD, VIP, and BALCONY
Q3: How can I redeem the Careem offer?
Ans: The cardholder can simply redeem the Careem MasterCard offer by downloading the Careem mobile app from the Google Play or Apple Store. The first Careem ride can be enjoyed for free (up to AED 60) by adding your MasterCard and applying the promo code “MC1RIDE” while booking. For availing the 20% off on up to 3 rides in a month, the promo code “MASTERCARD” needs to be used while booking.
Q4: How can I use the card control feature?
Ans: The card control feature can be accessed by following the below-mentioned steps:
- Login on your ADCB Mobile App
- Click on the option of ‘My Account’ and then select ‘Credit Cards’
- If you have multiple cards, choose the credit card that you wish to control
- Scroll down to the option ‘Card Control Settings’ and select this
Q5: Can I make international spending on this ADCB TouchPoints credit card?
Ans: Yes, payments in foreign currency can be made on the ADCB TouchPoints Titanium/Gold Credit Card at an applicable fee margin of 2.99%.
- ADCB Credit Cards
- ADIB Credit Cards
- Ajman Bank Credit Cards
- American Express Credit Cards
- Aseel Finance Credit Cards
- CBI Credit Cards
- Citibank Credit Cards
- Commercial Bank of Dubai Credit Cards
- Deem Finance Credit Cards
- Dubai Islamic Bank Credit Cards
- Emirates Islamic Credit Cards
- Emirates NBD Credit Cards
- FAB Credit Cards
- Finance House Credit Cards
- HSBC Credit Cards
- Mashreq Bank Credit Cards
- Mawarid Finance Credit Cards
- NAJM Credit Cards
- NBF Credit Cards
- Noor Bank Credit Cards
- RAKBANK Credit Cards
- Sharjah Islamic Bank Credit Cards
- Standard Chartered Bank Credit Cards
- United Arab Bank (UAB) Credit Cards